Don't sell yourself short! You are not responsible for your husband's coworker's financial situation or childcare needs. If she wants in-home daycare prices, she should use an in-home daycare. If she wants a nanny, she should pay nanny prices. Charge $12.50 per hour, and more if there is housecleaning. We pay our nanny and our babysitter $18.00 per hour for two children under 3. It is a stretch for us financially, but we want our kids to have a nanny who feels valued.